New definition 1.18 (updated subsequent numbers following)

1.18 PayTo means the digital payment service operated via the New Payments Platform (NPP) Australia, that enables customers to establish and authorise Payment Agreements with approved merchants or payment initiators.

New definition 1.19 (updated subsequent numbers following)

1.19 PayTo Payment Agreement means the agreement you have with Us, where You have pre-authorised recurring payments to be debited from Your nominated Westpac bank account.

Added new clause 9.8

9.8 You are not entitled to attend any general meeting or exercise voting rights in relation to any International Securities.

Added new clause 9.2c

9.2c. You are not entitled to attend any general meeting or exercise voting rights in relation to any International Securities.

New section 24.0 PayTo Service Agreement (updated subsequent numbers following)

24.0 PayTo Service Agreement

24.1 This clause applies to any person or persons named in the application that opts into a PayTo agreement with Us.

24.2 This service is only available to International Market account holders when electing to transfer funds to their International Markets AUD wallet.

a) You must have a valid Westpac bank account, linked as your Funding Account.

b) Your Westpac bank account must be eligible for the PayTo service.

24.3 You must acknowledge the PayTo Service Agreement with Us prior to using this service, available from /media/209031/wst1122-international-markets-payto-service-agreement.pdf

Disclosure

Westpac Securities Limited ABN 39 087 924 221, AFSL 233723 (‘Westpac Securities’) (trading as ‘Westpac Share Trading’) provides the opportunity to trade listed financial products through our arrangement with Australian Investment Exchange Limited ABN 71 076 515 930, AFSL 241400 (‘AUSIEX’), a wholly owned subsidiary of Nomura Research Institute, Ltd. (‘NRI’). AUSIEX is a Market Participant of ASX Limited (‘ASX’) and Cboe Australia Pty Ltd (‘Cboe’), a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. Neither AUSIEX nor Westpac Securities are representatives of each other. Westpac Securities is not a related party of AUSIEX, NRI, ASX or Cboe. Under this arrangement, all trading, clearing, settlement and stock sponsorship arrangements are directly with AUSIEX. AUSIEX is not authorised to carry on business in any jurisdiction other than Australia.

The Westpac Share Trading International Markets service (‘International Markets’) is an international share trading, nominee and custody service provided by Australian Investment Exchange Limited (‘AUSIEX, We, Us, Our’) ABN 71 076 515 930, AFSL 241400, a wholly owned subsidiary of Nomura Research Institute, Ltd. (‘NRI’). AUSIEX has appointed Saxo Bank A/S Company Reg. No: 15731249 as its International Custodian. For full details, please refer to the International Markets Trading Terms and Conditions. You can either request Us to mail one to You, or alternatively, call one of our Trading Representatives on 13 13 31 between 8am and 7pm (Sydney time), Monday to Friday.

Westpac Securities Limited ABN 39 087 924 221, AFSL 233723 (Westpac Securities) (trading as ‘Westpac Share Trading’) provides the opportunity to trade listed financial products through our arrangement with Australian Investment Exchange Limited ABN 71 076 515 930, AFSL 241400 (AUSIEX), a wholly owned subsidiary of Nomura Research Institute, Ltd. (NRI). AUSIEX is a Market Participant of ASX Limited (ASX) and Cboe Australia Pty Ltd (Cboe), a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. Neither AUSIEX nor Westpac Securities are representatives of each other. Westpac Securities is not a related party of AUSIEX, NRI, ASX or Cboe. Under this arrangement, all trading, clearing, settlement and stock sponsorship arrangements are directly with AUSIEX. AUSIEX is not authorised to carry on business in any jurisdiction other than Australia. Accordingly, the information contained in this document is directed to and available for Australian residents only.

The Westpac Share Trading International Markets service (International Markets) is an international share trading, nominee and custody service provided by Australian Investment Exchange Limited (‘AUSIEX, We, Us, Our’) ABN 71 076 515 930, AFSL 241400, a wholly owned subsidiary of Nomura Research Institute, Ltd. (NRI). AUSIEX has appointed Saxo Bank A/S Company Reg. No: 15731249 as its International Custodian